Effective Date: May 17, 2026

Introduction
Perfect Home Mortgage Inc. (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at www.perfecthomemortgages.com or contact us in connection with our mortgage brokerage services. By using our website or submitting information to us, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use our website or services.

Information We Collect
Personal Information
We may collect personally identifiable information that you voluntarily provide to us, including but not limited to:

• • Full name, address, phone number, and email address

• • Social Security Number and date of birth

• • Employment information and income details

• • Financial information, including assets, debts, and credit history

• • Property information related to a prospective mortgage loan

Automatically Collected Information
When you visit our website, we may automatically collect certain technical information, including your IP address, browser type, operating system, referring URLs, and pages visited. This information is used solely for website administration and security purposes.

How We Use Your Information
We use the information we collect for the following purposes:

• • To process and evaluate your mortgage loan application

• • To communicate with you regarding your application and our services

• • To comply with federal and state laws and regulations, including the Gramm-Leach-Bliley Act
    (GLBA) and the Florida Mortgage Brokerage and Mortgage Lending Act

• • To verify your identity and prevent fraud

• • To share information with lenders, underwriters, appraisers, title companies, and other third
    parties as necessary to process your loan

• • To respond to your inquiries and provide customer support

Sharing of Your Information
We do not sell your personal information. We may share your information with:

• • Mortgage lenders, investors, and financial institutions to whom we submit loan applications on your behalf

• • Service providers who assist us in operating our business (e.g., title companies, appraisers,
    credit bureaus)

• • Government agencies or regulatory bodies as required by law

• • Law enforcement or other parties when required by court order or to protect our legal rights
  • All third parties with whom we share your information are required to maintain the confidentiality
    and security of your information consistent with applicable law.

Gramm-Leach-Bliley Act (GLBA) Notice
As a licensed mortgage broker, we are subject to the GLBA. We collect nonpublic personal information about you from the following sources: information you provide on applications or other forms; information about your transactions with us or others; and information from consumer reporting agencies. We do not disclose nonpublic personal information about you to nonaffiliated third parties, except as permitted or required by law. You may have the right to opt out of certain disclosures. Please contact us for more information.

Data Security
We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee the absolute security of your information.

Retention of Information
We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, to comply with our legal obligations, resolve disputes, and enforce our agreements. Mortgage-related records may be retained for the periods required by applicable federal and Florida state law.

Your Rights
Depending on applicable law, you may have the right to:

• • Request access to the personal information we hold about you

• • Request correction of inaccurate information

• • Request deletion of your personal information, subject to legal retention requirements

• • Opt out of certain uses or disclosures of your information
    To exercise any of these rights, please contact us using the information provided in Section 11
    below.

Children’s Privacy
Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately so we can take appropriate steps to delete it.

Changes to This Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page with an updated effective date. Your continued use of our website or services after any changes constitutes your acceptance of the revised policy. We encourage you to review this policy periodically.

Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:
Perfect Home Mortgage Inc.
Website: www.perfecthomemortgages.com
Email: margie@perfecthomemortgages.com
Phone: 305) 814-1350
Mailing Address: 6073 NW 167th Street, Suite C-18, Miami Fl, 33015